Send us the staffing files everyone else declines.
Timecard Capital is a direct funding source for staffing and recruiting agencies. If you broker merchant cash advances, factoring or SBA, we are the desk you send staffing paper to — including the six-month-old agencies, the construction labor shops and the travel nurse firms your other funders decline by age or SIC code. 10–15% on funded working capital, paid within 2 business days.
What the program pays.
Partner program — terms
- Commission
- 10% – 15% on funded working capital, paid on funding
- Factoring, LOC
- Commission disclosed per file at offer
- Term loan and SBA
- Fee schedule disclosed on the term sheet
- Payout
- Within 2 business days of the merchant funding
- File minimum
- None
- Exclusivity
- None
- Submission
- Partner portal
- Offer turnaround
- About 4 business hours on a complete submission, weekdays
- Decline turnaround
- Same day, with the actual reason — not “credit”
- Renewals
- Commission paid on renewals for 24 months on files you originated
- What we need
- Signed application + 3 months of business bank statements (4 if the agency is seasonal); A/R aging and client list for factoring
What we say yes to that your other funders say no to
- Agencies 3 to 12 months old with creditworthy clients — factoring underwrites the client
- Construction labor and healthcare travel staffing, declined elsewhere by SIC code
- Files whose payroll doubled in a quarter because they won a contract
- Agencies with a factor’s UCC on file, where a buyout or a position behind it is the right structure
- A couple of NSFs in 90 days around a late-paying client
- Agencies with an open advance, where a consolidation or re-term is the right structure
What we won’t do
We won’t stack you. If an agency you sent us comes back directly, the file stays yours for 24 months and the renewal commission is yours.
We won’t shop your merchant to a panel behind your back on products we fund in-house.
We won’t run outbound marketing to your merchant list. Timecard does not run automated email sequences to merchants at all.
How submission works
- Send the signed application and three months of statements. Four months if the agency is seasonal; add the A/R aging and client list for factoring. Upload it through your partner portal.
- Our underwriting desk reads it. You get an offer or a real decline reason the same day — about 4 business hours on a complete file.
- The merchant signs two pages. Working capital funds in 24 hours; a clean file signed before 11:00 AM ET generally funds the same day. A factoring facility opens in 3 to 5 business days.
- You’re paid within two business days of funding. Renewal commission runs 24 months on files you originated.
Attribution. Every partner-sourced link carries that partner’s own EF-XXXXXX referral code. The portal issues the code and the site templates it into the link, so a file submitted through your link is credited to you automatically. Never send a funnel link without your code on it.
Partner program questions.
What commission does Timecard pay an ISO?
10% to 15% on funded working capital, paid within 2 business days of the merchant funding. Commission on factoring and lines of credit is disclosed per file at offer. Term loan and SBA fee schedules are disclosed on the term sheet.
Is there a file minimum or an exclusivity requirement?
No to both. There is no monthly file minimum and no exclusivity. Send one file a quarter or forty a month.
How long do I keep a merchant I originated?
24 months. If an agency you sent us comes back directly, the file stays yours and the renewal commission is yours for 24 months from the original funding.
What staffing files will you take that others decline?
Agencies under a year old with strong clients, because factoring underwrites the client; construction and healthcare travel staffing; files whose payroll doubled in a quarter; agencies with a factor’s UCC already on file where a buyout or a second position behind it is the right structure; files with a couple of NSFs around a late-paying client; and agencies with an open advance where a consolidation or re-term fits.
How fast is a decision on a submitted file?
About 4 business hours on a complete submission during weekdays. Declines come back the same day with the actual reason, not “credit.”
What do you need from me to submit?
A signed application and the agency’s 3 most recent months of business bank statements — 4 months if the agency is seasonal. For a factoring file, add the A/R aging and client list. Submit through the partner portal.
Become a partner.
No file minimum, no exclusivity, same-day decline reasons, and 10–15% on funded working capital paid within two business days.
Already a partner? Submit a file through your portal link.